Cheap Florida Car Insurance

Find affordable auto insurance that works for you in Florida. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Florida

Across the Sunshine State, there are 267,793 miles of road just waiting to be driven. We’ll get you ready with the best — and most affordable — insurance policy, then you take the wheel.


 

Affordable insurance companies in Florida

What's the cheapest car insurance in Florida?
RankCompany NameAvg. Annual Premium
1USAA$1,014
2Allied$1,790
3State Farm$1,834
4Travelers$1,907
5Auto-Owners$2,128
621st Century$2,360
7Hanover$2,484
8Esurance$2,611
9Mercury$2,835
10Progressive$3,228

Compare quotes from dozens of insurance companies in Florida by entering your ZIP code below.

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Cheap auto insurance for good drivers in Florida

Good drivers can save money on car insurance! Insurance companies use your driving record as a way to predict what kind of risk you pose. Without at-fault accidents, speeding tickets or DUIs on your record, you are a less risky and more affordable customer for an insurance company compared to a motorist with a driving history of car accidents and citations.

In addition to cheaper premiums, some companies offer good driver discounts. While the amount of insurance discount varies based on your company, it can range between 5 and 10%. If we’re looking beyond just average rates and at individual companies, Nationwide seems to have the cheapest rates for good drivers.

Rating Factor$ Savings% Savings
No Traffic Tickets$63027.29%
No Accidents$39216.96%
Good Credit$1,39547.56%

 

Cheap auto insurance for young drivers in Florida

Young drivers between the ages of 16 and 25 pay the most for car insurance across the U.S. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. For teen drivers, historically the most expensive drivers to insure, we’ve found that GEICO, Progressive, and Liberty Mutual are the cheapest companies.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,471$7,601
17$4,156$6,744
18$3,796$5,627
19$3,391$4,375

 

Cheap auto insurance for bad drivers in Florida

Having a bad driving record can be a huge burden for getting cheap car insurance — no matter your location. In Florida in 2019, a DUI raised rates an average of $1,085 a year. Other violations, such as an at-fault accident or a speeding ticket will also hurt your driving record. Based on our research, if you’ve had a DUI or at-fault accident, your best bet for cheap car insurance is to shop with Liberty Mutual, State Farm, or Nationwide.

Rating FactorAnnual Rate% Increase
At-Fault Accident$3,17837.64%
DUI$3,39446.99%
Speeding Violation$2,88825.08%
Bad Credit$4,32947.56%

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Top rated car insurance companies in Florida

Each car insurance company advertises its low costs. But as with any product or service, the most affordable car insurance policy isn't always the best option. Considering the financial stakes, it's worthwhile to do the due diligence to find a policy that will cover your car adequately in the event of an accident. Work to find the best value, rather than settling for the most affordable auto insurance you find.

Compare top auto insurance companies' financial strength and claims satisfaction ratings to better understand the level of service they might provide.  The below ratings are sourced from J.D. Power and AM Best, and The Zebra's own auto insurance customer satisfaction survey. 

 

TOP FLORIDA AUTO INSURANCE COMPANIES
Insurance CompanyClaims Satisfaction (J.D. Power)Customer Satisfaction (J.D. Power)Financial Strength (AM Best)Customer Satisfaction (The Zebra)
AAABelow averageAverageExcellent4.2/5
AllstateAbove averageAverageSuperior4.3/5
AmicaExcellentExcellentSuperiorN/A
GEICOAverageAverageSuperior4.4/5
KemperN/AN/AFair4.1/5
Liberty MutualBelow averageAbove averageGood4.2/5
ProgressiveBelow averageBelow averageExcellent4.3/5
State FarmAbove averageAbove averageSuperior4.5/5
TravelersBelow averageBelow averageSuperior4.3/5
USAAExcellentExcellentSuperior4.6/5

 

Florida auto insurance laws

State minimum insurance requirements in Florida are as follows:

  • Property damage liability (PDL) - $10,000
  • Personal injury protection (PIP) - $10,000

Optional car insurance coverages in Florida — varying by carrier — include:

  • Bodily injury liability
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical and Funeral Services
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured/Underinsured Motorist Bodily Injury

If you opt for the minimum required coverage in Florida, be prepared to pay an average of $1,102 each year. This exceeds the national average by 77%. If you want a higher standard of coverage, select an auto insurance policy with additional coverage like comprehensive and collision coverages to insure against the costs of car-versus-car collisions, auto theft, or weather incidents.

However, better coverage comes at a price. In Florida, a comprehensive insurance policy with a $1,000 deductible costs $2,164, 96% more than basic insurance coverage. For comprehensive insurance coverage with a $500 deductible, Florida drivers can expect to pay 133% more than you would for a liability insurance-only policy.

Read more about insurance requirements in the state of Florida.

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How tickets change auto insurance rates in Florida

When you receive a ticket your car insurance rates will probably go up. How much your rates rise depends on the violation, your car insurance company's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at average auto insurance rates in Florida after a few common citations.

 

ViolationAvg. Annual RateRate Increase (%)Rate Increase ($)
Hit and Run$3,50752%$1,198
Refused Breathalyzer/Chemical Test$3,16537%$856
DUI$3,39447%$1,085
Racing$3,48651%$1,177
Reckless Driving$3,50752%$1,198
Driving with a Suspended License$3,50752%$1,198
At-Fault Accident$3,17838%$869
Driving with an Open Container$2,90626%$597
Operating a Vehicle Without Permission$2,92727%$618
Passing a School Bus$2,90626%$597
Improper Passing$2,90626%$597
Following Too Closely$2,88225%$574
Speeding$2,88825%$579
Failure to Stop at a Red Light$2,90626%$597
Illegal Turn$2,90626%$597
Driving Wrong Way/Wrong Lane$2,90626%$597
Failure to Yield$2,90626%$597
Speeding in a School Zone$2,88825%$579
Driving Too Slowly$2,88825%$579
Distracted Driving$2,88225%$574
Driving with Expired Registration$2,56011%$252
Failure to Show Documents$2,56011%$252
Not-at-Fault Accident$2,4938%$184
Failure to Use Child Safety Restraint$2,3321%$24
Failure to Wear a Seat Belt$2,3321%$24
Driving Without Lights$2,3090%$0

 

Florida car insurance FAQs

Who has the cheapest car insurance in Florida?

Our data shows USAA is the cheapest insurance company in Florida at $507 for a six-month policy, or $84/month. The best way to find the cheapest car insurance in Florida is to compare auto insurance quotes from as many companies as possible. Use our comparison tool to see rates in Florida for your driving profile.

Why is car insurance so expensive in Florida?

Florida’s average insurance premiums are 81% above the national average. This is mainly due to their number of uninsured drivers, higher-risk drivers, poor weather, and mandatory insurance laws. Check out our in-depth article on how to find cheap rates in Florida.

Is Florida a no-fault state for car insurance?

Yes, Florida is a no-fault state. This means if you're injured in a crash, you're required to cover your own bodily injury payments — regardless of fault.

How much does car insurance cost in Florida cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Gainesville, Florida, and the most expensive in West Palm Beach, Florida.

RankCityAvg. Annual Premium
1West Palm Beach$3,187
2Hialeah$3,179
3Miami$3,075
4Miami Gardens$3,048
5Tampa$2,990
6Coral Springs$2,981
7Hollywood$2,901
8Pompano Beach$2,900
9Fort Lauderdale$2,786
10Miramar$2,784
11Pembroke Pines$2,705
12St. Petersburg$2,703
13Clearwater$2,685
14Davie$2,648
15Port St. Lucie$2,386
16Orlando$2,301
17Jacksonville$2,245
18Lakeland$2,199
19Palm Bay$2,084
20Tallahassee$2,072
21Cape Coral$2,026
22Gainesville$1,839

 

Recent Questions:

Will my down payment be refunded if I cancel my insurance during the first month?

There is no guarantee of a refund, so you would have to contact your insurance provider to find out if you are eligible for a refund as each company operates a bit differently with policy cancellations in the first month of coverage. The same thing goes for whether or not they will notify your lien holder of the cancellation.
Jan 1, 2017 Dace City, FL

If my insurance company back pays upon cancellation will it look like a gap in my coverage?

Your new insurance company will not make you back pay when you start your policy. However, having a lapse in coverage does increase the rates.
Jun 15, 2019 Tampa, FL

How do I recover my refund if I canceled a policy the day after the renewal?

Most states have a law about recovering unearned premium from insurance providers. Meaning that if you cancel your policy after you've paid your premium, especially at a renewal, you should be able to collect a refund for any days you've paid for after the policy is canceled.
May 12, 2017 Meridian, FL

If a vehicle is in my name can my mom insure it with us both listed as drivers?

You want to get insurance in the name of the person who the car is registered under. Then you can add the other person as a driver onto that policy, so you will both be covered to drive.
Dec 29, 2018 Alford, FL

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.